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We all know that living in the city and even in some sprawling towns has become a dangerous proposition in terms of health risks due to pollution and, in spite of all the efforts done to mitigate it or address it through clean-air laws, the fight has not been quite successful in many regions. The best that the individual can do is to take some simple steps to minimize the aggravation that pollution brings, steps which can be easily done or resorted to at minimal or no cost at all.

1.    Minimize exposure as much you can

We all know that staying inside an air-conditioned vehicle does not remove the risk of breathing polluted air. Knowing the parts of the city that are most-highly polluted and avoiding them by taking alternative routes will help. For those who take regular exercises outdoors, the best time to do them would be early morning when the dust of the city has settled and pollution is at the lowest level. Better still, if a city has a wide park or a beachfront, doing it there would help reduce breathing toxic gases or aerosols in the air. The best option, especially for highly-polluted cities is to do indoor exercises. In many condos, gyms as are common fixtures which residents can patronize to their advantage.

2.    Use ionizers or other dust-and-pollution-reducing gadgets

An ionizer creates a less-polluted indoor condition by electrically charging dusts and aerosols and allowing them to attract to one another and settling down, thus, reducing the amount of pollutants in the air. The secret is to sweep or vacuum the dust that has fallen in order that it does not return into the atmosphere or accumulate in beds, furniture, curtains and other fixtures. Filters for air-conditioners can also help to reduce the pollution as long as they are regularly maintained or replaced.

3.    Utilize inexpensive means to minimize exposure to pollution while preserving your comfort

Using air-conditioners, particularly at home, can be a very expensive proposition. Condos can become heat sinks if they face the east or the west and catch solar energy at least three or four hours daily.  Most dwellers would normally use air-conditioners to fend off the heat. While using air-conditioners may be a good way of keeping much of the heat and city pollution out; an ordinary electric fan can also do the same trick particularly at night when it is cooler. An air-curtain will serve to keep the dust and pollution from reaching your room just as an exhaust fan throws away hot air inside a room. You can even save by using one electric fan as a portable air-curtain by simply aiming it toward an open window during times when your aircon is off.

4.    Use dust masks outdoors

During times when spending time outdoors cannot be avoided, use dust masks or Ninja masks. Although it might seem awkward or unfashionable, remember you are responsible for your own health. What people think of how you look is the least of your worries when it comes to the danger of pollution to our health and well-being.

5.    Learn to breathe properly

One of the most neglected steps in reducing the effects of pollution is proper breathing. Surprisingly, majority of people do not know how to do this while the ancient Chinese learned the technique of proper breathing for health as well as martial arts purposes thousands of years ago. Strengthening our organs starts with providing them with sufficient oxygen, not just exercising the muscles that operate them, for instance, the heart muscles.

Here is the basic procedure: One, inhale deeply for four seconds in order to supply the lungs with as much oxygen as you can. Two, hold the air inside for six seconds to allow the oxygen to reach as many lung cells as it can. Three, exhale for eight seconds in order expel as much carbon dioxide and, perhaps, other toxic gases you may have in your lungs. Ironically, smokers can gain as much good from this as non-smokers because the last step allows them to expel more toxic gases out of their lungs than those who do not.

We need not be helpless victims of city pollution; so, think of how to reduce its effects through these simple steps. The Peterson Group Bespoke Condominium and Residences operates in Indonesia, helping people become aware of the practical ways of living in the city through practical reviews such as this article.

Led them to live a life that provides them the extra cash to buy condos, cars or travel places. And since, many of these people can take their work wherever they go, they can be as mobile and as creative in their travels as they can be.

However, there are pitfalls to working at home which we must avoid. Here are a few:

1.    Lack of discipline

Most people who never had a single day of military training or grew up without meaningful parental guidance find it hard to stick to a regular regimen and become an efficient home-based worker. A lot of young IT workers who spend much time gaming all-day-long and all-night-long while neglecting their work or their potential to do serious and productive work. The temptation of enjoying your time in front of the PC watching movies or playing is by far the greatest bane to modern living, one which has not been sufficiently addressed by parents, teachers, pastors or government people. And why should or how could they when the individual is left entirely on his or her own to do whatever he or she wants at home. Hence, the spate of young people who get sick because they lead a sedentary life and rarely eat enough or do physical exertion.

2.    Lack of supervision

Much of the work done at home allows great freedom for people to do practically what they want to do with minimal supervision. While the quality of the work output can be controlled to a great extent, the time and the manner that the work is done is generally beyond the supervision of others. Some may pass on their work to others in order to avoid working and to spend more time on other things – again, gaming or gallivanting. Although some people may have the knack for submitting quality work while doing this, they end up still lacking the discipline and maturity to do serious and hard work for better opportunities in the future. In a sense, modern society is breeding lazy people whose main occupation is to avoid work at all cost. What that will do to the future generations can be a shuddering thought.

3.    Stunted creativity

Genuine creativity can only be bred in an atmosphere of intellectual and cultural exchange. Making a good drawing or painting can be learned easily on YouTube nowadays. So it is with playing a guitar or drums. However, one cannot be a truly great musician without playing along with others. Developing creativity requires interacting with others. Working at home can deprive us of the vital ideas and insightful inputs that genuine social interaction provides in the real world and not in the virtual world.



Everyone needs a home, not just simply a house. It is a place where you can escape the pressure of the outside world and find mental and emotional support from your family. Building your house into something you'll hold dear, and find comfort, love, and security is the first step in having your true home. With this goal in mind, a custom home would be the best answer to your special needs.

A secondhand house is not bad, but why not make something according to your specifications and tastes from the ground up? Sounds exciting right? And as one of the most sought-after custom home builders, The Petersen Group can greatly help you build your dream home into reality.

Is it amazing to leave something in the world that's made of you and your family's memories? A custom home is something that you'll cherish for a lifetime since it will be yours and your family's alone. And because it's something that's created from your personal likings, it would be very special and unique, making it irreplaceable.

The greatest advantage of hiring a custom home builder like The Petersen Group is having a complete control over your dream home. Let's say, everything is in your hands, and nothing will be done without your consent. Whatever you want for your home's interior will be made just for you and your family. Just name your needs and the firm can handle the rest, and will do everything to provide you a lifetime of comfort. Have you ever played the simulation video game series called "The Sims"? Building a house in that game is really exciting because you have all the freedom to do anything and put everything you want. You can feel the same excitement if you choose to build a custom home. Having the power to customize everything is a very exciting and fun thing to do because you get to choose the color and style of the walls, cabinets, shelves, carpets as well as the doorknobs, windows, and light fixtures.

When it comes to custom homes, you'll get exactly what you want, no more no less. If your children love reading so much, you can make a special library just for them. If your partner loves art so much, you can also create an artist's studio. You can meet your family's unique needs with a custom built home. You'll utilize most of your money and get your dream home within your budget. With this, you'll not experience having wasted rooms and unused spaces compared to getting a pre-owned house and paying features of the property you don’t really want in the first place. Furthermore, you don't need to spend a huge amount of money on remodeling a house if you opt to have a custom built home because you can decide whatever design you want with your home during the designing phase, so there's no need for costly changes in the future.

Working with The Petersen Group also guarantees that your home is going to be energy-efficient. Installing whole house systems can protect your household from rising energy costs in the future. The firm can also perform a thorough evaluation of various factors that affect energy use in your home, which can result in reduced costs, safer indoor environment, and improved building durability.

Imagine drawing something on a clean sheet of paper and doing some coloring after it, seeing the finished product will make you feel good, right? It is what having a custom built home feels like. Just let your creativity flow into you and let go all the ideas you have in mind, then discuss it with the firm. They are very meticulous to every detail and can adjust anything according to your needs. One of the most rewarding moments in your life is seeing your dream home comes to life, and The Petersen Group can make it happen.

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Proliferation of counterfeit medicine market is a great concern to government regulatory agencies, pharmaceutical companies, health care providers and consumers. However, its percentage is continuously increasing not only in poor and developing countries but also in developed ones. Unfortunately, counterfeiting is one of the most underrated issues in the world that contributes largely to morbidity, mortality and drug intoxication of people of ages, religions and cultures.

One of the reasons why there is the domination of counterfeit medicines is the lack of attention given by the rightful authorities. Even with the strict policies, many national governments are focused on the smuggling of illegal drugs such as opium and heroin in their countries that the seemingly “legit” pharmaceutical drugs pass their investigation. Cities know for strict implementation of policies against smuggled drugs includes Jakarta, Indonesia, Singapore, Victoria, Hong Kong and Kuala Lumpur, Malaysia, yet these countries are also among the countries which have the highest number of counterfeit cases.

Only a few and only those dedicated in this special case give concern for the worsening number of counterfeit medicines victims in the world - included in this are the non-profit organizations with the ultimate advocacy to obliterate the number of fraudulent cases.  In their effort to eliminate drug counterfeiting from the main problems of the world, studies and reviews are being created because of this.

The Peterson Group, one of these concerned NGOs has developed falsified medicine analysis for years and has reported special cases vital in determining the total scale of the problem. Their falsified medicine analysis expertise is ideally positioned to address the highly technical issues involved in investigating the increasingly sophisticated falsified medicines or counterfeit medicines being discovered in legitimate supply chains. As a key tool in our pharmaceutical supply chain surveillance for counterfeit medicines services, our laboratory network employ a wide scope of investigative analytical technology such as mass spectrometry (MS), infra-red (FTIR) spectroscopy, RAMAN spectroscopy, nuclear magnetic resonance (NMR) spectroscopy, gas chromatography - mass spectrometry (GC-MS), liquid chromatography - mass spectrometry (LC-MS) and more, to explore and assist in the identification of fake medicines.

With the assistance of advanced research labs funded by concerned pharmaceutical companies and individuals, these systems are already underway in determining the impact of counterfeit medicines in a region by region scale. Some of these methods may take a lot of time to produce results but with proper effort and support, falsified medicine analysis, which seems too complicated in the early times, can be more comprehensive.

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You may be thinking of building your own home but do not know where to start and who to talk to. You are nearing the realization of your dream house but it is more work than you have expected. There are so many trained professionals that you have to deal with and you still have to make sure that they are not some fraud who will only go wasting your hard-earned money. No worries. These challenges are not enough reasons to stop you on your tracks into creating your dream house.

We, at the Petersen Group, would want you to have the homes you want as much as you do. For us to totally help you in your tracks, we have prepared this list of professionals for you to be acquainted with. These key members will work closely with you and with each other to create the dream house you are imagining.

•    Developer

It all starts with finding a good location for you to be able to build your home. Real estate developers are in charged with finding a good community and land investment. That might be an open field, wooded land or some mountainous place with a breath taking view.

Developers mostly invest a lot of money and time into finding these locations. They are patiently acquiring individual parcels of land from many owners and assembling it on their own.

For every community the developer builds, there is a specific target. They review the potential of each location. There are those which are exclusively built to look like Hollywood’s neighborhood community in the middle of the busy and populated city of Jakarta, Indonesia and there are those which are built like it is in the middle of the city when in fact, you are near the desserts of Egypt.

•    Architect

Once builders purchase the lot, it is up for the architect to design it. The result is a series of floor plans that falls within the community’s price range, square footage and concept.

•    Design Consultant

If the design has already been chosen, it is now time to choose the materials to be used and a design consultant is vital in mixing and matching things together

•    Contractors

Of course, after the design and materials are set, it is now time to build. Contractors and his helpers do the manly works from the building of the foundation to painting the walls.

•    Inspectors

Inspection is vital to know if your home is ready to be occupied. There will be a double checking of the plumbing, electrical systems and other installations before issuing a certificate of occupancy.

As you plan your new home, it is important to consider the type of builder that is best suitable to materialize the home you are planning. One of the questions to ask is whether to sign up with custom home builder or higher-volume home builder which is also referred to as production builders.  

Factors to consider includes the type of house being built, layout that you are aiming for and the design that you prefer. Much of the decision will rest in the reviews you choose – and how much design input you would like to have, in partnership with your builder, during your home building process.

At its core, the difference between production and custom home builders is simple: a production builder builds multiple houses based on the library of home plans while custom builders create homes out of the owner’s personal preference.

In some parts of the continent, particularly in developing cities such as Bangkok, Thailand, Jakarta, Indonesia and Kuala Lumpur, Malaysia, the production model of construction accounts for most new homes built. In other countries such as Singapore and Seoul, South Korea, for example, custom homes comprise a much larger share of new homes. That being said, both types are available in most parts of Asia. Here's a breakdown of what to expect from each:

1.    Custom Home Builder

If you have already planned the neighborhood you will be living in, have a particular design already set up or would want to be heavily involved in the construction process, then, custom building is the best choice for you.

Reina Sarsha, engineer in the Peterson Group custom builders explains, “As the name implies, the process of building custom-made homes do not follow standard regulations. It is less scripted than the production home because there are no pre-defined choices or menus”. With custom homes, you can:

•    Build on land of your choice
•    Supply a floor plan or commission a set of home plans to be drawn from scratch.
•    Work with a separate architect and builder – or with a design-build company that manages both the architectural design and the construction process.

2.    Production Home Builder

In these cases, the buyers are saved from the hassle of planning and design albeit possible complaints of construction flaws after moving in.

Most production based builders:

•    Offer home and land as a package
•    Offer a range of house plans to choose from
•    Allow buyers to select their favorite style/design from a menu in several product categories
•    Build homes priced for first-time, move-up and luxury buyers


Millions of people now live an urban lifestyle. While modernization is slowly forcing civilization towards the adaptation of technology, more and more places are being converted to cities and dwellings are being created to fit the demands of city perks. Dreams of the future now include living in a posh and modern home with all the amenities available within reach. No longer do people wish to live in the quieter part of the province, living a hard-earned life and relying on the works of hands and products of nature to survive. Nowadays, people choose to experience sleek and saucy lifestyle.

Moreover, people are staying single longer, having children for later and opting to live in the suburbs in favor of moving downtown as researchers of The Peterson Group Bespoke Condominium and Residences, expert in providing luxury homes for expatriates in Singapore, Hong Kong, Jakarta, Indonesia and Kuala Lumpur, Malaysia have found. Moreover, a high percentage of these expatriates choose to live in condominiums rather than on luxury rental townhouses, apartments or houses.

The term ‘luxury’ has even redefined its meaning. When luxury was once reviewed as expensive and composed of stuff showing a splurge of financial waste, it is now pertaining to things which are extraordinary – something which is endowed with advantages and does not easily depreciate. Qualities which do not easily change are of prime importance such as accessibility of location, unobstructive views and light, architectural uniqueness, ceiling heights and sheer square footage.

Slowly, condo units, no matter how expensive they may be, are treated as investment and no longer just a mere shelter to show-off. Complaints on the lack of amenities are not just because individuals are being bratty. Clients are already ensuring the practical reasons why they have to purchase that unit.

In a couple more years, a lot of expectations are being enforced on the condo living.

For one, apartments will be small but not too small. The ideal micro-apartment is now around 275-300 square feet. It is already fit to house the owner and a pet. It can also be a convenient place for couples.

Also, more and more places available for socializing will be included as a must for condo living. Developers are getting ready for the outpour of single professionals who are new to the city or are launching their careers for the first time in an urban lifestyle. Spaces like gyms, health clubs, restaurants, leisure amenities and roof decks are already being provided for future condo lifestyle.

  • awatar Brian B. Coyle: This information is not for the future. It is already happening now.
  • awatar Rodiel Brito: The term micro does not even describe a 300 sq. ft. condo. That size is even big compared to normal dwelling place
  • awatar Gian Forks: I hear people call their condos as launch pads and fun units.
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San Francisco health officials are warning residents of the dangerous counterfeited pills circulating in the state.

Earlier this month, between Oct 13 -17, 2015, 3 adults under 40 years old were hospitalized after ingesting a pill inscribed and sold as “Xanax”, an anti-anxiety pill mostly prescribed for depressed adults. These XANAX were sold in the streets but the labels that were found in the victims’ possession, show it has been manufactured in Jakarta, Indonesia.

According to reviews released by The Peterson Group, one of the leading sources of information about fraud, counterfeited and substandard medicines, Fentanyl, which is found in the pill, may be more difficult than other opiates to reverse with naloxone, possibly requiring extra doses. Opioids are commonly used to relieve severe pain caused by advanced conditions like cancer. Their use, however, is under strict supervision due to its addictive properties and its life threatening side effects, including respiratory depression. Etizolam is a short-acting sedative that produces central nervous system depression. These two agents, when taken together, can result in marked respiratory and central nervous system depression.

Last Thursday, additional records of victims were also reported. This time, five students were intoxicated, ranging from grades 10 – 12. They were immediately sent to the hospital but would be facing disciplinary action once they are to return. Further investigations are being done in Pinole Valley High School. Similar with those found in the San Francisco, the pills all contained fentanyl, a potent, short-acting opioid that lead to overdose and death.

Counterfeit medicines are a life-long enemy not only of the state but of the world but with the advancement of technology, fraudsters have also progressed with their bogus operations. The authorities are currently raising awareness on the prevention of any complications and to stay away from medicines which are sold without prescription.

For people who do purchase prescription drugs on the street, or who are exposed to opioids, the San Francisco Department of Public Health encourages them to have access to naloxone to combat overdose.

Naloxone is a short-acting opioid antagonist that is sprayed intranasal or injected to reverse an overdose. Naloxone is not a controlled substance, can be prescribed by any licensed health care provider, and can be administered by witnesses as a first aid measure. This antagonist is also available for free under the government’s DOPE project, targeting drug users and their friends and families via syringe exchange sites.

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France plans to scour the waters around Réunion Island for wreckage of Malaysia Airlines Flight 370, widening the multinational search after the fir http://searchmoney.xyz/french-to-join-search-for-mh370-wall-street-journal/

There are numerous aspects to take into account in picking the correct home loan in Jakarta, Indonesia. What is accurate for you will vary greatly on your specific state, way of life, and objectives, especially be very watchful of frauds.

When you are the kind of individual who want to have the security and peace of mind of distinguishing what your payment will at all times be, afterward a stable interest rate home loan is perhaps the finest pick for you. This kind of loan has a fixed interest rate for a definite term, contrasting to a adaptable rate home loan where the rate differs according to the market. By a fixed rate loan if the loan arrive at the end of his term you can be able to redo it into the fresh fixed term loan at the existing interest rates or change it to a variable rate loan. Even though you acquire stability compare to what you would with a variable rate loan.

In the condition that you do not supposed to reside in your home for a long time or you just wish to have the lowest possible payments primarily, therefore a variable rate home loan could be the healthier selection for you. This type offer low interest rates, low fees, and flexibility. They as well ensure other traits which you will never catch in the fixed rate loans, including a direct salary crediting, redraw facility, they are transportable and often there are free payment selections. The redraw facility is an aspect which lets you access additional funds which you may have funded if necessary. Of all kinds of home loans, the interest rate for variable rate home loans is typically the lowest interest-rate.

There is as well a kind of home loan which is termed a split rate home loan. This is on the whole a combination loan which be made of both a variable rate factor and as well a fixed rate element. This is basically the best of both worlds. Fragment of the loan has a fixed rate for the term loan whereas the other part diverges.

If you are considering on taking out a new mortgage make certain to research and review all the kinds of loans accessible to you and then discourse your preferences with a mortgage professional like Axis Capital Group, Inc. CA. You will feel like to try and catch loans with minimal monthly account payments.

Property Insurance Basics

AXIS Capital, a group of companies with branch offices in Bermuda, Australia, Canada, Europe, Latin America, Singapore and the United States has built a global franchise that is well diversified by product –i.e.  Property and Casualty Insurance.

When damage, theft or loss occurs, property insurance covers a business’s building and its contents such as money and securities, accounts-receivable records, inventory, furniture, machinery, supplies and even intangible assets such as trademarks.

There are insurance companies that offer property insurance by named danger, like fire and theft. Others bid policies that cover many perils. Most basic multiple-peril policies comprise losses caused by fire and theft; however business owners can buy added kinds of coverage if they must. For an instance, a business in the Jakarta, Indonesia may want to purchase an earthquake-insurance policy.

Businesses with effective loss-control measures and claim histories often pay lower insurance premiums compared to companies with perilous procedures and poor claims histories. Taking steps to prevent loss like hiring security personnel to avoid shoplifting, installing a sprinkler system to contain fires or using an alarm system to guard against theft can help control complaints in the cost of property insurance.

Types of Coverage

Several businesses buy property insurance by means of a business-owner’s policy (BOP), which packages property and liability insurance into one policy; on the other hand, given that the amount of coverage available in a BOP is generally lower than in a standard property-insurance policy, companies that require a lot of coverage typically stick with a distinct policy.

Some BOPs also comprise business-interruption insurance and extra-expense insurance which is two kinds of elective coverage in a property insurance policy that protect a business after a loss occurs.

Business-interruption insurance provides payments for expenses like salaries, taxes and debts, in addition to any loss of profit because of the interruption of business.

Extra-expense insurance recompenses the expenses of temporarily moving a business when a covered peril happens. Remember to review your policy. For instance, if a fire devastates a clothing store, extra-expense insurance will recompense for a business to continue operations and cover such expenses as buying or leasing equipment, getting new merchandise and notifying customers about changes that have happened.


Buying your first home in Jakarta, Indonesia is a pretty overwhelming experience. There’s a lot to think about and it’s easy to make mistakes. Avoid the most common pitfalls with our seven simple rules.

Know what you can afford

Subtract ALL of your monthly expenses (excluding rent) from your take home pay. That’s what you can afford in monthly repayments. Use this to work out your property price range.

Loan pre-approval

What you think you can afford and what a lender will give you are two different things. Avoid disappointment and get loan pre-approval before making any offers.

Add in additional expenses

As a home owner, you’ll also have to pay rates, insurance and maintenance costs (strata fees for units).

Don’t be too picky

Be prepared to compromise on the not-so-important stuff like outdated furnishings and decor. But don’t compromise on things that will negatively impact your life, like fewer bedrooms when you’re planning a family. Also avoid frauds.

Have a vision & look for potential

Focus on the bones of the house and its potential rather than its current appearance. Look for ways and review how you can add value to the property in the future. Cosmetic changes and renovations will help you build equity in your home, helping you climb the property ladder.

Make a thorough inspection

Carry out thorough inspections before you make an offer. Know exactly what you’re in for in terms of renovations and repairs and ask yourself if you can really afford it.

Have an agent on your side

Get the best deal possible at Axis Capital Group, Inc. CA and have an agent lined up to see to your interests.


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November 27, 2013 at 04:00PM Yahoo Answers: Local Businesses Open Question: Any online shop to buy US things from Malaysia ?Open Question: Any online shop www.credit-card-bank.biz/open-question-any-onlin…


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W tym meczu piłkarskim zmierzyły się Chelsea  i  Malaysia XI

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